I think travel insurance is a great recommendation. In fact, if you aren’t going somewhere exotic, look into an annual policy that can cover multiple trips. I have a friend who flies back and forth to a Florida house from the NE - she would be covered for delays and/or baggage issues with an annual policy for each trip.
The reason I mention “if not exotic” is because the annual policies may have lower trip evacuation limits. If you are going somewhere not easy to get to (middle of Africa, India, Maldives or Seychelles or a Pacific Island), you may want specific high limit insurance for those trips.
If you are really concerned, then buy ‘cancel for any reason’ and while you may not get 100% of costs back, you will get a significant portion.
Having said all that, I’m still traveling. As to the euro vs. usd, I remember when it was 1.4! So going up 10% vs. USD is still much lower than some of the historical rates.